Choose from two types of cover:

Maxi cover: Maxi house insurance provides cover for replacement cost to repair or rebuild your home, or replacement value up to the sum insured stated in your policy schedule. It covers you for loss or damage to your home. Maxi contents insurance offers replacement value for most items and contents anywhere in New Zealand.

Flexi cover: Flexi house insurance is based on indemnity† value cover, limited to the sum insured stated in your policy schedule. Flexi contents insurance covers you for the indemnity value for loss to your house contents while they are in the home. Flexi covers you for loss caused by specific events only, such as fire, flooding, storms and vandalism. There are optional add-ons for additional benefits such as nationwide cover for your contents.

Save with bundled car, home and contents insurance

Combine a Carminder comprehensive vehicle insurance policy and a house and/or contents insurance policy and get a 15% discount off your Carminder policy and 10% discount^ off your house/contents policy.

The House and Contents Policy is underwritten and administered by Vero Insurance New Zealand Limited. Please refer to the Policy document for details of the terms, conditions limits and exclusions – you can view a copy of the House Insurance Policy here and Contents Insurance Policy here.

†Indemnity' means the current value allowing for its age and condition immediately before the loss or damage happened.

^Vero discount applies to the company premium only. There is no discount applied to the natural disaster premium of government levies.

Carminder Motor Vehicle Policies are underwritten by Credit Union Insurance Limited. Co-op Insurance NZ is the trading name for Credit Union Insurance Limited. For Carminder Comprehensive Insurance full terms and conditions, view a copy of the full policy document here.

*Credit Union Baywide trading as NZCU Baywide. Terms and conditions and normal lending criteria apply. A $500 approval fee and other fees apply for home lending. A $250 approval fee and other fees apply for personal lending. All variable rates, fees and returns are subject to change without notice. The current Product Disclosure Statement and other disclosure statements are available here or on request from the Credit Union. NZCU Baywide savings are shares secured by a first ranking security over NZCU Baywide's assets. Click here to view our rates and fees. The CANSTAR 5 Star Rating was awarded in December 2017 to NZCU Baywide for Orange Personal Loans and in June 2017 for our Online Saver account.